Call reports 2016
ADRIAN STATE BANK — 2016
What ADRIAN STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 43,824,000 | 43,853,000 | 43,004,000 | 43,838,000 |
| Total loans | 30,362,000 | 32,089,000 | 32,805,000 | 33,297,000 |
| Allowance for loan losses | 250,000 | 275,000 | 284,000 | 288,000 |
| Securities available for sale | 7,290,000 | 7,135,000 | 6,951,000 | 6,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,164,000 | 39,565,000 | 36,832,000 | 39,103,000 |
| Interest-bearing deposits | 30,877,000 | 31,012,000 | 29,291,000 | 29,131,000 |
| Noninterest-bearing deposits | 8,287,000 | 8,553,000 | 7,541,000 | 9,972,000 |
| Equity capital | 4,072,000 | 4,189,000 | 4,278,000 | 4,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 444,000 | 900,000 | 1,364,000 | 1,825,000 |
| Interest expense | 38,000 | 76,000 | 113,000 | 148,000 |
| Net interest income | 406,000 | 824,000 | 1,251,000 | 1,677,000 |
| Noninterest income | 18,000 | 46,000 | 75,000 | 97,000 |
| Noninterest expense | 241,000 | 484,000 | 741,000 | 1,158,000 |
| Provision for loan losses | 14,000 | 36,000 | 42,000 | 48,000 |
| Pretax income | 169,000 | 350,000 | 543,000 | 568,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 169,000 | 350,000 | 543,000 | 568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,942,000 | 4,053,000 | 4,161,000 | 4,103,000 |
| Total capital | 4,192,000 | 4,328,000 | 4,445,000 | 4,391,000 |
| Risk-weighted assets | 33,026,000 | 34,027,000 | 34,702,000 | 35,251,000 |